Re:GEN4 Security are you prepared?

Re the insurance questions, most insurers will give market or replacement value so if you can show how much a similar replacement will cost to buy they should cover it. Get a Webuyanycar valuation regularly. Check auto trader adverts too. It doesn't hurt to ring your insurer and tell about the increase. Mine (directline) covers any value up to £75k without any increase in premium. Gap insurance will only pay out what you paid for the car.

Good advice

You do need to call your insurance company to check, with Adrian Flux for instance the most they will pay out is the value you put on it when you took out the policy!
I called them and changed it from £24,000 to £28,000

I had to pay £25 for the "mid term policy change"
Think l will go back to Direct Line on renewal.

We've also got Gap lnsurance for the purchase cost but that's a waste of time now, as values have gone up so much and no insurance company could argue a 2020 Jimny down to the Gap lnsurance £24,000

So l need to call them today as well and see if it's possible to change it, l believe you can get Gap lnsurance for "replacement cost" rather than ours which is "lnvoice amount" or purchase price.

Gap insurance can't be for any more than the invoice price, so currently a waste of time on the Jimny, unless you paid £26,000+